How to apply for a personal loan. How to draw up a loan agreement between individuals - sample and rules

A payday loan from a friend or relative is a familiar element of our lives. Many people resort to this method of solving their financial problems. There are many reasons for this - unwillingness to bind oneself with credit obligations, pay high bank interest, and bother with paperwork.

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Sometimes the stumbling block for obtaining a loan from a bank can be a bad credit history or lack of official income from a potential borrower. In addition, with an individual on individual terms, a loan may be more profitable. A loan from an individual may carry high risks of default for a number of subjective reasons. How to protect yourself from non-repayment of debt? To do this, it will be useful to read the information in the article.

What it is

In order to obtain guarantees for the return of a loan issued to an individual, a loan agreement must be concluded with him in writing.

Loan between individuals is a documented confirmation of the transfer Money from the lender to the borrower. To this loan, it will be useful to attach a receipt from the borrower confirming the receipt of funds in full.

The loan agreement is governed by civil law Russian Federation ().

We single out the main types of loan agreements and give them an exhaustive description.

Distinguish:

• interest-free loan;
• interest-bearing loan;
• secured loan.

The Civil Code allows you to provide an interest-free loan if the amount of the debt does not exceed 50 minimum wages, i.e. 5000 rubles (1 minimum wage is equal to 100 rubles). An interest-free contract is the subject of which will be property or things. The agreement must necessarily contain a note that the accrual of interest is not provided for by the terms of the agreement. This type of loan agreement is not subject to taxation due to the lack of profit from the lender.

The specifics of the conclusion of an interest-bearing loan is to indicate in the text of the agreement the amount of accrued interest on the body of the loan. As part of the transaction, the parties can determine the timing of debt repayment - in shares or at a time and the method of paying interest. An interest-bearing loan agreement has tax implications for both parties.

The borrower may receive income in the form of savings on interest for the use of borrowed money if the interest rate charged from him is minimal (Article 212 of the Tax Code of the Russian Federation). This will serve as the basis for taxing personal income tax. The lender, by law, will have to pay tax on the profits received, and the returned amount of debt, of course, will not be income.

A secured loan is practiced when the loan amount is large enough or there are doubts about the solvency of the borrower. The loan agreement will have a mixed form - both a loan agreement and a pledge agreement. A secured loan can improve the terms of the loan provided by lowering the interest rate, since the risk of default on the debt is less than in other cases.

There are two main types of loan agreement with collateral:

• secured by a car;
• secured by real estate.

A loan secured by a car is the most popular, since its registration does not require a large package of documents. The car remains with the owner – the passport of the vehicle is handed over to the lender as collateral.

The valuation is usually performed by an independent company. Insurance is desirable. It is also worth considering the liquidity of the collateral - how easy it can be realized if the borrower is unable to fulfill his financial obligations. The use of collateral is a good way to improve the payment discipline of the borrower.

Securing a loan agreement with a pledge in the form of real estate will require mandatory state registration of the agreement. The practice of pledging real estate is used when concluding large-scale transactions. The pledge imposes restrictions on making any transactions with it: it cannot be re-pledged, sold or donated. Measures for the safety of the property are also applied.

How to draw up a loan agreement between individuals, sample

The conclusion of a loan agreement requires from its participants elementary legal knowledge that will help the correct execution of the document.

The loan agreement is concluded between capable adult citizens who have documents proving their identity. The document is drawn up in writing in several copies (in 3 copies, if notarization is provided).

The loan agreement includes:

• personal data of the participants in the transaction;
• date and place of conclusion of the agreement;
• the subject of the transaction;
• loan amount and repayment period;
• the amount of accrued interest;
• loan repayment and interest payment schedule;
• the responsibility of the parties, as a rule, the focus is on the responsibility of the borrower;
• penalties in case of violation of the terms of the agreement;
• conditions and methods of debt repayment;
• requirements for the subject of collateral (if the loan is issued against collateral);
• actions in case of force majeure events;
• reasons for early termination of the contract;
• final provisions.

Filling out a loan agreement between individuals is easy. We find the text of the contract on the Internet, download it and start processing. We fill in the data of both parties, not forgetting to indicate the address of registration and actual residence, if they differ. We discuss with the borrower an acceptable amount of interest for using the loan.

We enter the amount and terms of repayment of the loan. It is necessary to determine the method of obtaining and repaying a loan: in cash, on bank card or other methods (for example, crediting to an electronic wallet). It is important to remember that contractual relations do not come from the moment the contract is signed, but upon the transfer of funds to the borrower.

When discussing the issue of repaying the debt, it is necessary to provide for options for early repayment and to prescribe the amount of the penalty (forfeit) in case of delay in payment. If it is planned to return the payment according to the schedule in equal installments, it is worth coordinating it with the borrower and formalizing it as an annex to the contract. We discuss and write in the text of the loan the issue of resolving the disputed situation - how it is planned to resolve the issue in the event of its occurrence.

It is worth noting that when concluding a deal, it is best to foresee all the nuances in order to minimize possible risks. When applying for a loan for large amounts, you cannot do without the help of a professional lawyer and notarization.

In conclusion, we enter the details of the parties and sign. When transferring money, do not forget to issue a receipt, which will serve as additional evidence of the transfer of funds to the other party. In the receipt, you can indicate the joint and several liability of the spouses-witnesses in the execution of the transaction. It is also worth remembering that in case of non-repayment of the debt, the limitation period from the moment the creditor has the right to claim the debt is three years.

Note that you can sign the contract directly, or the exchange of documents with the help of electronic means communication, mail or fax.

Can it be done verbally

It is not prohibited to issue a loan with a private lender orally if you trust the borrower or the amount of money is small. However, the Civil Code recommends limiting the oral form of the transaction if the loan amount does not exceed 1000 rubles. Otherwise, it will be safer to conclude a loan agreement in writing in any form.

Do I need to be notarized

A notarized conclusion is not a prerequisite for concluding a transaction. The agreement will be considered valid even if there is a regular receipt of funds. However, many professional lawyers recommend the conclusion of an agreement with its subsequent notarization, as well as the transfer of money in the presence of witnesses.

All this is done solely for your safety. A full package of documents will allow you to quickly and effectively defend your interests in court, if necessary, to repay the loan.

A notarized form of certification of a loan agreement is required when signing an agreement with collateral.

Without a receipt

Despite the fact that the contract is recognized as valid from the moment of its signing, its actual effect begins from the moment the money is transferred to the borrower. The best way to prove the fact of the transfer of money is to provide a receipt with the exact amount of money transferred, the date of receipt, passport details and signatures of the parties.

In the absence of a receipt, difficulties may arise in court, since the contract indicates the intentions of the parties, and whether the money was transferred under it or not is unknown. In this case, additional evidence will have to be requested - for example, the testimony of witnesses, etc.

Therefore, the presence of a receipt guarantees you from the difficulties that arise in the preparation of the evidence base in the court decision to return the loan.

What can be the deposit

Movable and immovable property can serve as the subject of pledge.

Movable property includes:

• money;
• securities, shares;
• deposits, shares.

For real estate:

• houses, rooms, apartments;
• garages;
• land;
• construction in progress.

When choosing a collateral, it is worth considering its liquidity and the need for evaluation by professional experts. You can only pledge property without encumbrances. The law provides for two types of collateral: a pledge, when the property is transferred to the lender, and an ordinary pledge, in which the property remains in the use of the borrower.

Violation of the terms

Violation of the terms of the loan agreement can lead to serious consequences for the borrower, provided for in the agreement.

An interest-free loan agreement between individuals is drawn up on the basis of the provisions of the Civil Code of the Russian Federation. Its subject can be money or any valuable things, while the funds are indicated in rubles or in foreign currency. When transferring foreign currency, the contract must specify the exchange rate at which they will be returned. Usually, the official exchange rate of the Central Bank of the Russian Federation is taken into account. Today we will talk about the rules for drawing up an interest-free loan agreement, measures of responsibility for refusing to return money in a timely manner and property that cannot be taken away on account of a debt.

Based on Article 808 of the Civil Code of the Russian Federation, a loan agreement must be drawn up in writing only if the amount of money or an item of equivalent value does not exceed 10 minimum wages. One minimum wage is now equal to 100 rubles. That is, the contract is drawn up on paper, if 1000 rubles and more are transferred on credit. Usually it has a form drawn up by hand and signed personally by the debtor. What is indicated in the receipt of receipt of money?

• FULL NAME. and the debtor and the borrower, as well as their home addresses;
• the date on which the money was transferred and the place of their transfer;
• the sum of money or a detailed description of the thing;
• the maximum loan term and interest for the use of money, if the loan agreement is not interest-free;
• punishment in case of late payment of the debt, for example, payment of additional interest;
• debtor's signature.

It does not always serve as the best way to secure a deal to transfer money in debt. It is best to use it for the actual return and transfer of money, and to complete the transaction itself, there is a form of an interest-free loan agreement between individuals, which does not require mandatory certification by a notary. However, certification by a notary is best done, especially when a large amount of money or a particularly valuable thing is transferred to the loan. Drawing up a receipt should be issued both with interest-free and between individuals.

Sample receipt for receiving money under a loan agreement

Interest-free loan agreement between individuals

If the text of the agreement does not explicitly state that it is interest-free, then this does not deprive the borrower of the opportunity to require the debtor to pay interest in case of delay. If the interest was not specifically mentioned in the contract, then their amount in case of delay in payment is determined at the refinancing rate of the Central Bank of the Russian Federation on the day of return. A loan agreement is recognized as interest-free if:

• the subject of the contract is not money, but things in accordance with Article 809 of the Civil Code of the Russian Federation;
• the amount of money transferred on credit does not exceed 50 minimum wages (5,000 rubles) and the contract does not involve entrepreneurial activity of one of the parties;
• The text expressly states that the contract is interest-free.

If the interest-free loan agreement between individuals does not specify in detail the period for repaying the money, then it is equal to 30 days from the moment the borrower submits claims for the return of the debt. The creditor has the right to file a lawsuit in court if the money is not returned within these 30 days.

Appealing the contract in court is greatly facilitated if it has been certified by a notary. It is the notary's office that is the guarantor of the correct conclusion of the transaction, without threats, deceit, violence or other malicious actions of one of the parties. The notary makes notes in the loan agreement that there were no obstacles to its conclusion.

Sample interest-free loan agreement between individuals

What property cannot be given away to pay off a debt?

Obligations under an interest-free loan agreement between individuals, the debtor is obliged to fulfill strictly, otherwise any of his property, except for the one indicated below, will go towards the debt by a court decision. It is indicated in Article 446 of the Civil Code of the Russian Federation:

• the only housing of the debtor and plots of land, if they are used for earnings;
• household items and personal items, including clothing;
• items needed for professional activity- only if their price does not exceed 100 minimum wages;
• agricultural buildings, livestock and seeds for sowing;
• food and money in the amount of at least 3 living wages;
• cooking fuel, wheelchair transport, and government awards.

The statute of limitations under a civil lending agreement is 3 years from the last date of repayment of the debt recorded in the document. After this time, the borrower will no longer be able to go to court. If the location of the debtor is unknown, then he can be put on the wanted list. Provided that the creditor independently pays for the search and advances them.

Video consultation of a lawyer “Disputes under interest-free loan agreements”

In life Russian citizens situations in which money is needed very urgently, and before financial receipts for a long time, arise very often. Numerous credit organizations and microfinance centers offer their services to everyone, but many of the problems associated with obtaining money in this way repel potential customers.

Some people seek to borrow money from their relatives or friends, considering this the most profitable option for themselves - you do not need to collect documents, apply to a representative of the lender, and sometimes pay interest on finances.

But in this case, it is worth insuring yourself to the person who lends money, since not all borrowers are conscientious and repay their obligations on time. The law provides for the possibility of drawing up a loan agreement between individuals, establishing the fact of transfer of funds and stipulating other essential terms of the transaction.

How to properly draw up such an agreement in 2017 and what needs to be done in order for it to become legally binding?

What is a loan agreement?

Its concept is established in Art. 807 of the Civil Code of the Russian Federation. According to the provisions of the article, a loan agreement is an agreement on the transfer of money or other material assets by one person (the lender) to another person (the borrower), which, in turn, undertakes to return the funds received by a certain date.

The borrower has the right to dispose of the borrowed money at his own discretion, except in cases where the contract specified the requirement for their intended use.

How to draw up a loan agreement

Three ways of concluding such an agreement between individuals are legally established:

• In oral form. The most unreliable way to confirm the transfer of money, however, is often used in practice. In order to have at least some confirmation of the fact of the transaction, the lender should invite two witnesses to its conclusion;
• by ;
• By concluding an agreement indicating all the details of its parties, as well as the essential points of the transaction.

An agreement between individuals must be concluded in writing if its amount exceeds ten times the amount of wages established at the time of its execution.

You can view and download a standard sample of a loan agreement, relevant for 2017, here.

The procedure for drawing up a loan agreement in writing

The legislator does not establish certain requirements for the content of the contract, so you can fill it out arbitrarily. As a rule, the contract must include the following information:

• passport details of the parties to the contract;
• place and date of drawing up the document;
• the amount of money (indicated in numbers and words) or other material assets transferred to the borrower;
• The period during which the borrower must repay the debt. If no return date is set, the agreement is considered to be indefinite. In this case, the borrower is obliged to repay the debt obligations within thirty days from the date of their claim by the lender;
• in the event that interest is expected to be charged for the use of the loan, the procedure for calculating them and the amount of the interest rate;
• the procedure for the return of funds (by cash or non-cash payment);
• Responsibility of the borrower for the untimely repayment of the debt in the form of payment of a penalty. It can be defined both in a fixed amount of money and in the form of interest accrued on the amount of timely unpaid funds;
• other conditions governing the issues of a particular agreement;
• signatures of the parties to the contract and their transcript.

With an individual draws up property relations between the lender (individual or legal entity) and the borrower (citizen). The lender seeks to protect himself from not, but the borrower's goal is to avoid paying extra interest. In general, it should be noted that legal registration monetary relations this is always the right way, as it disciplines both .

Under a loan agreement, one party (the lender) transfers to the ownership of the other party (the borrower) money or other things specified generic characteristics, and the borrower undertakes to return to the lender the same amount of money (loan amount) or an equal amount of other things received by him of the same kind and quality.
The loan agreement is considered concluded from the moment of transfer of money or other things.
Art. 807 of the Civil Code of the Russian Federation.

This is how the law reveals the concept of a loan agreement. A number of important conclusions can be drawn from the foregoing:

1. In loans, you can take not only money, but also other things. Moreover, not any property can be the subject of a loan agreement, but only that which is determined by generic characteristics, i.e. like a kilogram of sugar or a liter of milk. But works of art, jewelry, or a car cannot be the subject of a contract.
2. The loan agreement is not legally binding until the money is actually transferred to the borrower. Those. any promises to transfer or accept funds from the point of view of the law are absolutely inert.

Should I choose between taking a loan from a bank or a loan from an individual? the second option is much more interesting. So, by definition, it cannot be interest-free, the bank is simply obliged to take a fee from the borrower for services, but the loan can be gratuitous (free of charge). In addition, by concluding a loan agreement, you can save a significant amount of time without wasting it on formalities - you do not need to collect a whole package of documents, there is no time for consideration of the application, there is no security check, everything is much simpler. Notarial certification of the contract is also not required.

The nuances of a loan agreement with an individual

The law requires that a loan agreement be concluded in writing not in all cases, but only if the amount of borrowed funds exceeds one thousand rubles. If he acts on the side of the lender, then the contract is in any case drawn up on paper.

As noted above, a loan agreement can be either paid (with interest) or free of charge. But what if the contract does not specify the time associated with interest? On this account, the law (Article 809 of the Civil Code of the Russian Federation) has developed the following rules:

1. The contract is assumed to be gratuitous if interest is not directly indicated in it, provided that:

• the contract is concluded between individuals in the amount of less than 5,000 rubles;
• if not cash, but any other property is transferred to loans.

2. If interest is not specified in the agreement, however, by its nature it is not gratuitous, then in this case the amount of interest is determined based on the refinancing rate (at the time of writing the article - 8%).

3. In case of early repayment of the amount of the debt, the lender has the right to receive interest for the time preceding the payment of the loan.

The lender has the right to demand early repayment of the loan if the borrower delays the payment of the next part of the debt, or if he fails to fulfill his obligations to ensure the return of the loan amount (does not provide collateral, or the collateral loses its value).

How to conclude a contract so that there are no problems later?

Firstly, despite the fact that the loan agreement is not subject to mandatory notarization, it is desirable to take care of this issue.

For the lender, this will be useful if the borrower decides to challenge the loan agreement, for example, on the grounds that it was allegedly signed under the threat of violence, or due to a combination of difficult life circumstances. Civil law provides quite a few ways to recognize and challenge a transaction, and sometimes litigation drags out the process of repaying a loan so much that some simply drop the case. In order not to be drawn into such a lawsuit, it is better not to be too lazy to visit a notary.

Secondly if for some reason it was not possible to use the services of a notary, then the writing of the text of the contract should be entrusted directly to the debtor. Moreover, he should do this not on a computer or typewriter, but with his own hand. This approach guarantees that in the case of a handwriting examination, it will show a 100% correct result. Using only a signature, an expert often finds it difficult to answer by whose hand it was drawn.

Thirdly, when signing the contract, it is desirable that witnesses be present, and their passport details should be indicated in the text of the agreement. It is important that witnesses are different parties and were not common acquaintances.

Fourth, personal information about the parties (passport data, addresses, telephone numbers, etc.) should be indicated as fully as possible in the contract. And of course, it is desirable to check that the indicated data coincide with the actual ones.

Compliance with these simple rules will help to avoid many serious problems if a conflict arises between the parties regarding the return of the debt.

In this case, apply general term statute of limitations, i.e. 3 years during which you can apply. At first glance, such a period may seem quite long, but practice knows many cases when a case fell apart in court only on this basis. Therefore, you should not delay, you should sue after several months of delay in payment, without paying attention to the persuasion of the debtor.

Whether you want to borrow money, or vice versa, borrow it, in any case, it’s better to do it with the opportunity to use a competent one. You can find professionals who can help in solving such issues on our website.

A receipt refers to a document confirming the conclusion of a loan agreement between individuals. IOUs between individuals are the most common types of contractual relations. However, money can often destroy the most wonderful relationships, not only among friends, but even among relatives, if you do not familiarize yourself with how to correctly arrange a monetary debt.

Circumstances in which there is an urgent need for the need for a certain amount of money can happen to any person. In order not to resort to bank loans or go to a pawnshop, it is much easier to borrow money from friends, acquaintances or a microfinance company. For citizens of the Russian Federation, a loan agreement or a receipt between individuals is considered quite legal.

How to draw up a receipt for a loan of money?

The IOU is written in the borrower's own hand in a free style. The listing should show the following:

• Information about the borrower and lender.
• The permanent location of both parties to the transaction.
• The amount of the loan and the type of currency borrowed (rubles, dollars or euros).
• Type of currency in which you want to return the amount.
• Debt repayment period.
• The amount of interest and the procedure for calculating it (for debts taken at interest)
• Sanctions in case of failure to repay the debt.
• The document can be written by hand or printed on a printer, but the signatures of the parties must be personally affixed.

When writing a receipt, it is necessary to show that the lender has issued a certain amount, and the future debtor has accepted it. When returning the debt, it is also necessary to draw up a receipt with the signatures of both parties.

(Video: “IOU. Lawyer's advice.")

Receipt for a loan of funds

To avoid disputes between the lender and the debtor, an example of a receipt between individuals is proposed as follows:

"Receipt

I, Sidorov Ivan Ivanovich (borrower), born on March 23, 1985, registered in Tomsk, st. Novoselova, 5 kv.17, passport (series ..., number ..., issued ...) received from Petr Petrovich Petrov (Lender), born on February 12, 1984, with registration in Omsk, st. Dzerzhinsky, 4/14, passport (series ..., number ..., issued ...) the amount of debt in the amount of 15,000 (fifteen thousand) US dollars, which at the exchange rate of the Central Bank of the Russian Federation as of 01.04.2020 equals 975,000 Russian rubles . I undertake to return the amount of the debt in the amount of 15,000 (fifteen thousand) US dollars in Russian rubles at the rate of the Central Bank of the Russian Federation no later than 01/01/2020.

Beneficiary Signature:- "Sidorov Ivan Ivanovich"

Lender's signature: – Petrov Petr Petrovich

An example of a description of the calculation of interest on a debt:

“... I undertake to repay the debt in the amount of 15,000 (fifteen thousand) US dollars in Russian rubles at the rate of the Central Bank of the Russian Federation no later than January 1, 2020, with interest on the loan at an interest rate of 20% per annum ...”

The return of debt between individuals is also required to be written in the document. It might look like this:

«… I, Petrov Petr Petrovich (creditor) accepted on 01/01/2020. from Sidorov Ivan Ivanovich in the amount of 15,000 (fifteen thousand) US dollars in Russian rubles at the exchange rate of the Central Bank of the Russian Federation on the date of return, as well as all accrued interest on the loan ... "

Debtor's signature: - "Sidorov Ivan Ivanovich"

Lender's signature: – Petrov Petr Petrovich

In a letter of promissory note, the participants in the transaction can display various details of the loan so that there is no misunderstanding in the future. If a pledge is displayed in a letter of promissory note, then in this version it must be displayed.

In doing so, the following must be taken into account:

• Any property can be used as collateral.
• The lender needs to make sure that the collateral belongs to the debtor.
• If a car is mortgaged, then you need to view the documents for it.
• When pledging real estate, for example, an apartment, you need to study the documents for housing, confirm the consent of the adults registered in the residential premises that it will be mortgaged.
• When pledging real estate, it will be safer if the receipt of the loan and collateral is notarized. This will eliminate the possibility of fraud, both on the one hand and on the other.

A loan document is a letter that provides documentary evidence of the fact that an individual has taken money.

The form of the letter must be observed in accordance with the norms of this legislation of the Russian Federation. If the rules for writing an IOU are not followed, the paper may be invalid, without being applied to the fulfillment of promises.

We note the features of the document that must be observed:

1. Usually, the receipt is issued in handwritten form. At the same time, the legislation is allowed to issue it to print. However, in judicial practice, they trust the handwritten version of the preparation of an IOU more, since sometimes it becomes necessary to check the handwriting of the person who wrote the receipt, which may be additional evidence of the legal relationship between the parties, in case of contentious issues on the transfer of money. The document must reflect the clear circumstances of the loan and the procedure for its return.
2. Unlike other contracts and agreements drawn up in several copies, the receipt is written in one copy. The presence of several IOUs may mean the execution of additional financial transactions between the parties.
3. If the amount of money is issued through a representative, then this person must have a document giving the right to act in the interests of the borrower. In the written receipt, this circumstance should be displayed, with detailed description on the basis of what circumstances the amount is issued and its subsequent application.

In this variant, the promissory note for the issuance of money should display:

• Complete information about the participants in the transaction for the issuance of the amount of money.
• Details and powers of the intermediary of the transaction on the basis of a power of attorney or other documents giving the right to represent the interests of the borrower with the provision of the original or a photocopy of such a document.
• Receipt of acceptance of the amount with the preparation of conditions for the issuance of the received amount to a third party.
• On the date of issue of the amount of money, the receipt must be valid.

1. The document is signed by the person who issued it and is given in exchange for the declared amount displayed in the letter. The fact of the presence of a receipt from one of the parties is the approving status of the transfer of money to a person.

The receipt with interest must display the following data:

• Information about the future debtor, address of location and registration, passport data proving his identity, place of work.
• FULL NAME. the person providing money to the debtor, his contact details, location and information from the passport.
• The amount of money (in numbers and words) and the maturity of the debt.
• Interest for the use of the loan, if their accrual is displayed in the receipt.
• Signature of the person receiving the money.

In addition, other conditions may be displayed in the drawn up document, for example, the presence of witnesses, for possible involvement in the consideration of contentious conflicts in court.

The writing of a receipt must be treated responsibly, therefore it is better if it is first written in a draft and the main conditions are meticulously studied. It is possible that something will need to be added.

In the form for issuing money, it is necessary to display, in as much detail as possible, data about the debtor and the lender, since it is possible that the letter drawn up may be needed for litigation.

Such a letter is written by the borrower in an arbitrary form on clean slate A4 format, in which he signs with his own hand. This is the best option for drawing up an IOU, since in case of a dispute about the validity of the document, it will be possible to perform an examination of the handwriting of the loan recipient.

The document is a written statement that the amount was transferred to the borrower for a certain time, after which, he must repay the debt with interest for their use. The form must show in detail the procedure for calculating interest. If the document does not display interest accrual, then if the amount of debt is more than the minimum wage, interest is calculated automatically at the rate of the Central Bank of the Russian Federation.

Sample IOU between individuals without interest

If the form does not show the accrual of interest, then the debt automatically becomes interest-free, provided that the debt is not more than the minimum wage accepted on the date of the agreement. However, if the debt is higher than the minimum wage, and the letter does not show the accrual of interest, they will be calculated automatically at the rate of the Central Bank of the Russian Federation.

So that, in such situations, there is no confusion when repaying a debt, it is necessary to clearly state in the debt form whether there is a percentage or not.